Just a note on cancelling your credit cards: You might want to take a look at this useful article (http://consumerist.com/5070569/is-it-ok-to-use-credit-cards-for-everything-if-you-pay-them-off-every-month). The important part is that your FICO score is influenced by your available credit (more credit=good. low credit utilization=better).

And congrats on the re-fi! I do hope that we'll see you at MFF.